> A) Opt out of "overage fees and bounced-check insurance" which would be the problem here, not debit cards. Keep track of your own finances. How would that w

> A) Opt out of "overage fees and bounced-check insurance" which would be the problem here, not debit cards. Keep track of your own finances. How would that work? With banks in the UK, you can either say (1) let the charge through, in which case they will charge you "unapproved overdraft fee" or something, or (2) reject the charges, in which case they will charge you "unpaid transaction fee" and not pay the bill (which I think is a crime, because they're literally charging you for nothing - as they didn't deliver the service (pay the charge)), in addition the company that issued the request will charge you a fee as well. I can only hope that elsewhere, regulations are a bit more sensible so that there is no potential for this kind of abuse.